Dreamplug Technologies Private Limited

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Reference Value (Not a Market Quote)

₹1,45,846

Company Reference Data (Informational Only)

Company Name

Dreamplug Technologies Private Limited

Scrip Name

Dreamplug Technologies (CRED)

ISIN No.

INE0GFC01012

No. of Outstanding Shares

4,06,108

PAN No.

AAGCD6555Q

Face Value

₹10

EPS

₹-31,500.22

PE ratio

-4.63

P/S Ratio

150.49

Indicative Market Cap

₹5,922.92 Cr

Book value

₹45,434.89

P/BV

3.21

Approx. Annual Reference Range – High*

₹1,45,846 (22/07/25)

Approx. Annual Reference Range – Low*

₹1,45,846 (22/07/25)

*Source: Third-party OTC market data. Not sourced from any recognised stock exchange. Accuracy and timeliness not guaranteed.

DRHP Filed?

Available on

NSDLCDSL

ROFR Require

Sector

Technology

Registration Date

19-04-2018

Official Website

cred.club/about

Reference Value Context (Informational Only)

Reference value trend

Disclaimer: Prices shown are indicative and subject to change without notice based on market availability. This information does not constitute financial advice.Last updated: 16 Jun 2026

Face Value

₹10

Reference Value

₹1,45,846

Eligibility

Resident & NRI

Company Overview

Dreamplug Technologies Private Limited, incorporated on April 19, 2018, is the parent company behind CRED, a popular Indian fintech platform founded by Kunal Shah and headquartered in Bengaluru, Karnataka. CRED operates as a credit card management and bill payments platform, offering rewards for paying credit card bills on time along with a range of additional financial services. The company has grown into one of India's prominent fintech unicorns, with revenue of ₹2,473 crore in FY24, though it continues to invest heavily in growth, reporting a net loss of ₹1,644 crore in the same period. With around 800 employees and operations spanning multiple states, Dreamplug Technologies has positioned CRED as a premium financial lifestyle platform targeting high-credit-score individuals in India.

Key Achievements

CRED built a members-only credit-card payments and rewards platform for users with high credit scores.
CRED reported FY25 operating revenue of about Rs. 2,735 crore.
Operating losses reportedly reduced by about 51% to around Rs. 298 crore in FY25.
The company disclosed four subsidiaries and one associate in FY22 consolidated statements.
CRED has expanded beyond credit-card bill payments into UPI, rewards, credit products and marketplace-style financial services.

Milestones

2018Dreamplug Technologies Private Limited was incorporated on 19-Apr-2018.

2018CRED launched as a members-only rewards platform for credit-card bill payments.

2021FY22 consolidated statements disclosed four wholly owned subsidiaries and one associate.

2023CRED UPI activity expanded according to marketplace research data.

2025CRED announced plans for a co-branded credit card with IndusInd Bank.

Share Details

Outstanding Shares	4,06,108
Face Value	₹10 Per Equity Share
ISIN	INE0GFC01012
Reference Value	₹1,45,846
PAN Number	AAGCD6555Q

Incorporation Details

GST Number	29AAGCD6555Q1ZS
Registration Date	19-04-2018
Category / Sub-Category	Private company limited by shares / Non-government company
Registered Office Address	404, Uphar II CHS Ltd, Plot No. 5 BHD, Sanjeeva Enclave, 7 Bungalows, Near Juhu Circle, Mumbai - 400061, Maharashtra, India

Board of Directors

ROHAN SHAH NARESH

Director

KUNAL NARESH SHAH

Director

SANDEEP TANDON

Nominee Director

MEYER MALKA

Director

Principal Business Activities

Name & Description of Main Products/Services	NIC Code	% to Total Turnover
Fintech platform, credit-card bill payments, rewards, UPI, lending-adjacent and personal finance services	9309	100%

Shareholding Pattern

S.No.	Shareholder Name	No. of Shares	% of Total
1	Promoters	3,76,990	92.83%
2	Public	16,650	4.1%
3	Others	12,468	3.07%
—	Total	4,06,108	100%

Segment Revenue

Credit-card bill payments, rewards and fintech platform services

100%

Subsidiaries & Group Companies

Name	% Stake
Dreamplug Advisory Solutions Private Limited	100%
Dreamplug AA Tech Solutions Private Limited	100%
Dreamplug Paytech Solutions Private Limited	100%
Dreampurse Technologies Private Limited	100%

Industry Outlook

India fintech platforms continue to benefit from UPI adoption, digital public infrastructure, credit-card penetration, embedded finance and growing consumer comfort with app-based financial services. For CRED, the key execution question is monetising a premium user base while controlling customer acquisition cost, lending/payment regulatory risk, partner dependence and path-to-profitability pressure.